Weekly Crypto Card Intel — fee changes, new cards, cashback drops. Free.
Comparing Holyheld Card and OKX Card on fees, cashback, custody, and where each card is available. All data is current for 2026.
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The short version:
Holyheld rates 4.1/5, slightly ahead of OKX at 3.6/5. Both are solid options, but Holyheld is the better pick for most people.
Holyheld Card is the better card here. With self-custody, your crypto stays in your wallet until you actually spend it, unlike OKX where the issuer holds your funds. It works with Apple Pay and Google Pay, which is useful if you pay by phone. However, OKX may be better if you need something it does better.
In short: Holyheld Card (4.1/5) is the stronger option for most people compared to OKX Card (3.6/5).
| Features |  Holyheld Card |  OKX Card |
|---|---|---|
| Virtual + Physical | Virtual only | |
| Self-custody | Custodial | |
| Mastercard Prepaid | Mastercard Debit | |
| Classic €29; Limited €99; Metal €199 | Free | |
| Free (€1/mo inactivity fee after 4 months no card use) | Free | |
| 0% within EEA; 2.5% + €1 outside EEA | 0.1% conversion spread (official docs); no transaction or FX fees | |
| 0.5-1% USDC cashback (no staking required) | Launch promotion (Jan-Feb 2026): 15-20% cashback — this promo has ended as of February 28, 2026. Regular users got 15% capped at 100 EUR; VIP users got 20% capped at 200 EUR during the promo period. Post-promo (current as of March 2026): VIP-tiered cashback at 2-5% depending on OKX VIP status. For new users without existing VIP status, the base rate is likely around 2%. EEA-only card. Cashback is paid in USDG stablecoin. Specific tier requirements and monthly caps for the ongoing program are not fully disclosed. Realistic cashback for a typical user: ~2% (post-promo). | |
| €10000/day | Based on verification and tier | |
| €1000/day; €5000/month; €60000/year | Not available (virtual card only) | |
| 1200+ cryptocurrencies across 17+ blockchains; manual conversion to EUR required; SEPA in via personal IBAN | USDC, USDG stablecoins from OKX Pay account | |
| 30 EEA countries only | EEA + Brazil | |
| Get Card | Get Card |